CNOB FINANCIAL STATEMENTS

ConnectOne Bancorp, Inc. — balance sheet, income statement and cash flow trends

CNOBConnectOne Bancorp, Inc.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue734.1 M $+38.4%

Gross Profit377.2 M $+46.9%

Operating Income137.9 M $+34.1%

EBITDA155.2 M $+43.2%

Net Income98 M $+27.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CNOB	—	—	—	13.4%
LB	—	—	—	1.4%
KLNMA	—	—	—	58.1%
BFL	—	—	—	30.2%
BOQ	—	—	—	2.0%
SKBNK	—	—	—	14.2%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.6 B $11%
Current Liabilities30.6 M $0%
Long-term Liabilities12.6 B $89%

Key Figures

YoY change

Total Assets14.2 B $+45.6%

Total Liabilities12.6 B $+48.3%

Total Equity1.6 B $+27.0%

Cash & ST Investments1.2 B $+75.0%

Total Debt30.6 M $-95.7%

Net Debt-8.9 M $-102.1%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CNOB	421.49	1.9%	-7.77	11.2%
LB	0.01	744.5%	280.57	5.3%
KLNMA	—	0.0%	-0.00	17.7%
BFL	33.68	9.1%	-3.30	12.0%
BOQ	0.05	258.4%	49.89	6.0%
SKBNK	—	0.0%	-13.41	5.9%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CNOB	421.49	1.9%	-7.77	11.2%
QCRH	4.72	37.3%	2.14	11.7%
OBK	—	2.3%	-0.78	12.4%
LKFN	1.88	10.0%	0.07	10.6%
NBHC	63.44	13.2%	-5.26	13.2%
BY	3.39	51.5%	-5.30	12.9%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow106.8 M $+94.0%

Capital Expenditures5.4 M $+37.9%

Free Cash Flow101.4 M $+98.3%

Dividends Paid-40.1 M $-219.2%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CNOB	14.6%	13.8%	0.7%	109.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
KLNMA	58.1%	57.8%	0.3%	100.0%
BFL	116.9%	27.7%	2.8%	386.6%
BOQ	13.1%	13.0%	0.2%	668.4%
SKBNK	14.2%	31.2%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CNOB	14.6%	13.8%	0.7%	109.0%
QCRH	70.6%	59.0%	11.6%	318.7%
OBK	29.5%	27.5%	2.0%	219.0%
LKFN	28.4%	25.1%	3.3%	109.9%
NBHC	10.7%	3.7%	7.0%	62.2%
BY	26.5%	26.1%	0.4%	120.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.